discover the art of stretching your $$$ and brag about it ...€¦ · most conferences offer travel...
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Discover the Art of STRETCHING your $$$ and BRAG about it on your CV!
Thomas Jefferson University Private Academic Health Center comprised of
Sidney Kimmel Medical College
Jefferson College of Biomedical Sciences, Jefferson College of Health Professions, Jefferson College of Nursing, Jefferson College of Pharmacy, and Jefferson College of
Population Health
Located in downtown Philadelphia
Jefferson Researchers
170 Faculty in basic science and clinical departments
125 Ph.D. students in 5 biomedical Ph.D. programs
41 M.D./Ph.D. students in the dual-degree program
200 M.S. students in 6 M.S. & 5 certificate programs
5 Summer Undergraduate Research Program students
47 Postbaccalaureate Pre-Professional Program students
120 Postdoctoral fellows
Learning Objectives
▪ Identify conference travel support from a variety of sources
▪ Apply methods learned to significantly reduce their grocery and household essential bills
▪ Recognize and apply the most recent apps for saving money and integrate them into personal and professional budgets
▪ Implement saving strategies of collaboration and negotiation to stretch the PDOs/PDAs budget
▪ Analyze time investment necessary to obtain savings and prioritize most effective saving strategies
Agenda
▪ Postdoc’s view
▪ Postdoctoral Association (PDA)/ Postdoctoral Office (PDO) view
▪ Personal view
Discover the Art of STRETCHING your $$$ and BRAG about it on your CV!
A Postdoc’s View
I think if we do experiment X it will add validation to our study and we can publish in a higher impact journal.
Scene-1: Trainee-PI Conversation
I don’t think it would work so I’d rather spend money on another project.
Scene-1: Trainee-PI Conversation
If I get preliminary data without spending your funding and prove that it works, would you fund larger scale study?
Scene-1: Trainee-PI Conversation
Sure. But how do you plan to do that?
Scene-1: Trainee-PI Conversation
Hypothesis Verification
Strengthening of a publication
Preliminary data for new grant
Need more reasons?
Check out this article by Dr. Victoria McGovern. Seeking Grants: More Than Money: https://www.insidehighered.com/advice/2017/03/27/why-graduate-students-and-postdocs-should-pursue-grants-their-work-essay
Motivation
So How Do YOU Plan to Do That?
https://pixabay.com/en/question-problem-think-thinking-622164/
Getting the Samples/ Freeing the Money
Ask a neighboring lab or email through your Postdoctoral Association for an antibody sample, a special mouse model, etc.
Visit a Vendor Show, talk to the representative and ask for:
– free sample
– coupons, promotions even saving money on conical tubes could free up money for a pilot experiment…
Negotiate with companies based on quotes from their competition!
Ask companies for seed money for postdocs/students
Other Ways to Connect to Company Reps
1. Attend Seminars with Guest Speakers from Industry
2. Coordinate a Seminar with a company rep that you want to talk with
3. Make connections at national and regional conferences in your field
https://pixabay.com/en/connect-connection-cooperation-316638/
PERSONAL BONUS - NETWORKING
▪ Your next Job / Collaborator can be a Vendor show away!
▪ Industry Job Higher Pay More $$$$ to Stretch!
http://www.publicdomainpictures.net/view-image.php?image=147288&picture=networking-afaceri
Apply for Research Grant (Not Fellowship)
▪ FASEB – student research grant http://www.fastweb.com/financial-aid/articles/research-grants-for-grad-students – The Social Science Research Council
– The Smithsonian Institute
– The Woodrow Wilson National Fellowship
– The National Science Foundation
▪ Look for opportunity in your department- some departments offer small grants for researchers.
https://static.pexels.com/photos/259165/pexels-photo-259165.jpeg
Not sure where to find Funding Opportunities?
▪ Make use of funding databases such as Pivot http://pivot.cos.com/funding_main
How to brag about it on your Resume/CV?
▪ Adding new parameters will enhance the quality of your research
▪ Converting idea into results without using PI’s money
▪ Negotiating a lower price for lab supplies demonstrates negotiation skills
▪ Overall, possible submission of research paper to higher impact journal will show your progress
How to brag about it on your Resume/CV?
Postdoctoral Fellow, Sidney Kimmel Medical College 2014-2015
THOMAS JEFFERSON UNIVERSITY
Philadelphia, PA
Accomplishments Collaborated with engineers, biologists, and medical doctors to develop tool for medical
applications including tissue regeneration and cancer
Created custom code for image analysis of filaments and oscilloscope data
Negotiated with laboratory vendor company to obtain 20% discount on monthly conical
tube order, saving lab ~$100/month
Arranged to receive several mice from a particular mouse strain from lab animal company
to pilot a new project path
Pilot project lead to fully funded project due to additional data for grant application and
manuscript
Mentored and trained 10 undergraduate and graduate students in the laboratory
Our society meeting is in San Diego, California. Could I submit an abstract and go if it is selected?
Scene-2: Trainee-PI Conversation
Well, I am afraid there aren’t enough funds for your travel… Besides, if I say yes to you, Mary and Joe would want to go too.
Scene-2: Trainee-PI Conversation
I understand. How about if I receive a travel award? Would you be able to match the funding?
Scene-2: Trainee-PI Conversation
I’m sure I can arrange something, but where would you get the travel award?
Scene-2: Trainee-PI Conversation
Travel Awards
▪ Check with your Postdoctoral Office to see if it offers travel awards
▪ Most conferences offer travel awards (i.e. NPA, ASCB, AACR, ASPET)
▪ Professional Societies (i.e. AWIS)
▪ Some journals offer travel awards (i.e. PLOS)- keep an eye on your email for travel award announcements
▪ Ask equipment companies (i.e. Vevo Lazr)- they may pay your travel if you cite the role of their product in your results
▪ BioLegend Travel grant – monthly - http://www.biolegend.com/travel_awards/
▪ Be ProActive – contact equipment and supply companies and find out if they offer grants
Childcare Awards
Award Amount: $1,400.00 per semester.
Maximum Award Amount: $500.00
Maximum Award Amount: $1000.00
Maximum Award Amount: $500.00
Professional Development
JCBS Dean's Office and the Office of Postdoctoral Affairs offers travel awards that can be used for professional/career development courses
Professional Development Course – Many societies offer free workshops at their annual meetings
– Cities like Philadelphia host many scientific conferences that may have 1-day pass
Cold Spring Harbor Labs offer travel awards through BWF
Coach http://coach.uoregon.edu/ offers professional development for women postdocs including travel awards to attend courses
How to Brag about It on your Resume/CV? HONORS AND AWARDS
TEACHING AWARDS
PRESENTATION AWARDS
TRAVEL AWARDS
▪ National Science Foundation, Gordon Research Conference, Travel Award, 2016
▪ Jefferson College of Biomedical Sciences Postdoctoral Travel Fellowship, 2015
▪ American Society Cell Biology, Postdoctoral Travel Grant, 2014
▪ Gordon Research Conference, Travel Award, 2014
▪ International Conference on Plasma Science, Student Travel Grant, 2014
▪ Graduate Office Student Travel Award, Drexel University, Philadelphia, PA, 2014
What Other Opportunities Have You Pursued?
Discover the Art of STRETCHING your $$$ and BRAG about it on your CV!
A Postdoctoral Association’s / Office’s View
American Society for Cell Biology (ASCB) Early Career Meeting Grants (formerly Local Meetings)
▪ Team up with some colleagues, preferably including more than 1 institution
▪ Develop a proposal for a “local” scientific or professional development meeting
▪ Apply to ASCB to help fund meeting
▪ http://www.ascb.org/earlycareermeetinggrants/
Why do it?
▪ Allows collaboration with peers
▪ Stretches your budget for an additional event
▪ Shows initiative
Request Sponsorship
▪ Contact Laboratory Vendors / Vendor Show Companies
▪ Speak with Community Banks/ Credit Unions
▪ If need prizes, ask for – Commercial merchandise from local stores (t-shirts,
water bottles)
– Free certificate for a small item (sandwich, coffee)
– Free certificate for larger item (poster printing when event is a conference)
RSVP for Events
▪ Request RSVP for events Avoid wasting food (and money)
▪ Concerned about loss of people if they don’t rsvp
▪ Invite walk-ins to bring their own lunch
https://pixabay.com/p-23477/?no_redirect
Take Advantage of “Personal” Promotions
–Free soda with a coupon when buying pizza
–Special promotion when your sports team wins
Don’t be Brand Loyal
▪ Best promotions change from week to week
▪ Don’t re-order the same order – you lose all the applied discounts -Start over to maximize your savings
▪ Negotiate with vendors
–Calling store might get you a promotion that is no longer valid
Fundraise!
▪ Good Ole Bake Sale
▪ Partner with local business to receive % back from a particular day’s earnings
Multi-Institution Collaboration
▪ Philadelphia Regional Career Symposium
▪ BWF-HHMI Making the Right Moves: Scientific Management Course for Postdoctoral Fellows in Philadelphia
Get Creative!
▪ Postdoc did yeast research and asked to give talk about how yeast works in brewing beer
▪ Contacted local brewery to do beer tasting
▪ Local brewery didn’t charge us for the beer – Probably couldn’t do with a large postdoc population
Low Cost Events
▪ Watch a webinar together instead of paying for speakers travel
▪ Watch Ted Talk during coffee hour
▪ Organize a lunch and learn sponsored by industry speakers
How to Brag about It on your Resume/CV or your Annual Evaluation?
Leadership Skills
▪ Took initiative to develop, plan, and get funding for local scientific conference
▪ Collaborated with regional institutions to organize day-long career symposium
Granstmanship Experience
▪ Received $2000 ASCB grant for local scientific meeting
How to Brag about It on your Resume/CV or your Annual Evaluation?
Negotiation Skills
▪ Negotiated with laboratory vendor show company to help host event in return for $1000 donation to our postdoc office
▪ Negotiated with local poster printer to receive a free poster raffle prize if advertise their services to postdocs preparing for postdoc research symposium
▪ Negotiated with local restaurant for fundraiser and raised $2500 for travel awards
Discover the Art of STRETCHING your $$$ and BRAG about it on your CV! A Personal View (from a self proclaimed saving expert …) Natalie Chernets
–In the next 2 minutes, please share with your neighbor, what is your best money stretching tip?
–Would like to share a tip that your partner had shared and resonated with you?
How do YOU stretch your personal dollars?
Ways to Save money
Coupons Rebates Clearance Credit Score Cash Back
Negotiate Price Match Buy in Bulk then Split
Student Discounts
Discount Stores
Cut back Expenses
Make More $$$$
Free/Reuse Consignment Stock up on
Savings
What are we spending on?
Grocery Bills Utilities Loans and Mortgagee
Leisure/ Entertainment
Insurance Bank Charges Childcare Clothing
Credit Card Fees
Gifts Healthcare Household
Why I thought to share this knowledge with you?
▪ When my spouse and I came to US in 2009, I was looking for ways to stretch our dollars.
▪ We had no income for the first 4 month, and then for 6 month we lived on a single student fellowship of $1500 .
▪ I tried using coupons but I did it all wrong!
▪ I didn’t know the rules of the game and my saving were not worth the effort.
▪ My strategy was - don’t buy anything! Until I discovered one book…
Coupons Mom Website and Book
Shopper Prep time savings
Busy 5 min 20-25%
Rookie 30 min 40-50%
Varsity 1 hour + 60-70%
http://www.couponmom.com/
How to start saving? - Shop Strategically!
–Know your prices –Know your store saving program –Know your coupons –Stock up on savings –Plan to save
Photos from Flickr
Reward Programs
Common Myths – rules of the game
▪ Bigger package cheaper product
▪ You can’t use coupons on sales items
▪ You can’t combine more than one coupon
▪ Myth: 25- and 50-cent Coupons Aren’t Worth It
▪ Using a coupon on smaller package occasionally gives bigger savings that using the coupon on the bigger package
▪ You usually can combine sales and coupons. See store policy for details
▪ Many stores accept one manufacturing coupons with store coupon
▪ turn a 25-cent coupon into a dollar or more if your store doubles coupons
http://www.allyou.com/coupons-deals/coupon-myths
5 min do it your-self substitute to convenience products
Save with the "Do-It-Yourself
Approach"
Savings per
Item
Percentage
Saved Hourly wage
apples; buy a 3-lb. bag instead of 14
oz. slices $3.26 82.00% $39.00
cantaloupe; buy a whole melon
instead of cut-up melon $5.00 71% $60.00
carrots; buy a1-lb. bag instead of
baby peeled carrots $1.09 55% $13.00
celery; buy a bunch instead of
celery sticks $6.93 86% $83.00
iceberg lettuce; buy a head instead
of shredded lettuce $5.86 87% $70.00
strawberries; buy a pint instead of
cut-up berries $2.66 62% $32.00Couponmom book
For the Data Scientists…
Save with the "Do-It-Yourself
Approach"
Savings per
Item
Percentage
Saved Hourly wage
apples; buy a 3-lb. bag instead of 14
oz. slices $3.26 82.00% $39.00
cantaloupe; buy a whole melon
instead of cut-up melon $5.00 71% $60.00
carrots; buy a1-lb. bag instead of
baby peeled carrots $1.09 55% $13.00
celery; buy a bunch instead of
celery sticks $6.93 86% $83.00
iceberg lettuce; buy a head instead
of shredded lettuce $5.86 87% $70.00
strawberries; buy a pint instead of
cut-up berries $2.66 62% $32.00
Couponmom book
Not Convinced? Look at This example
Apple Variety
Weight per
Serving Cost per lb. Cost per Serving
Annual Cost of Apples at One
Serving per Day per Person,
for a Family of Four
large Golden
Delicious, sold
individually 9 oz. $1.79 $1 $1,470
medium Golden
Delicious, sold
individually 6 oz. $1.49 $0.56 $816
medium Golden
Delicious, sold 3-lb.
bag ($3.49, 8
apples) 6 oz. $1.16 $0.44 $637
Small Red Delicious
apples, sold in 3-lb.
bag ($2.49, 12
apples) 4 oz. $0.83 $0.21 $303
Couponmom book
Poll
▪ How often do you use coupons? – Weekly
– Monthly
– Occasionally
– Never
▪ How do you find coupons – Online
– Newspaper
– Mailer
– Print at home
– Other
– Store app
▪ Where do you use coupons? – Grocery store/super center
– In Retail stores(i.e. Macy’s/ Kohl’s/Sears)
– Online shopping
▪ Define your experience with coupons – What are coupons? Tell me more!
– Newby
– Moderate user
– Extreme couponer
– I hate coupons
What comes to mind when I say coupons?
▪ Myth: You need too much time to Collecting and Sorting Coupons
▪ Reality: You need to invest some effort to reap the savings.
▪ Spend just 10 minutes / week clipping coupons save ~ $7 off weekly grocery bill earn $42 per hour.
http://www.raininghotcoupons.com/and-the-winner-is-for-the-messy-coupon-binder-giveaway/
How Do I Find Out About Deals?
▪ www.Hip2save.com
▪ http://www.couponmom.com/
Start by Reading the Store Guide
Savings at Drug stores (Pay attention, apply at the scavenger hunt!)
▪ http://hip2save.com/store-guides/cvs/
▪ http://hip2save.com/store-guides/walgreens/
▪ http://hip2save.com/store-guides/riteaid/
▪ http://www.iheartcvs.com/
▪ http://www.iheartwags.com/
▪ http://www.iheartriteaid.com/
Print at home coupons – free
▪ https://www.coupons.com/
▪ www.redplum.com
▪ http://www.smartsource.com/
Shop the Seasonal Clearance Sales
• Stock up for future holidays by shopping a few days or weeks after the holiday has passed.
• The day after the holiday, select items will be reduced by 50% off (usually only 30% off for candy and grocery items).
• BUT, if you wait 7 to 10 days, products could drop to 70% off. Then, 3 to 5 days later, remaining inventory will eventually drop to 90% off!
• Best Valentine’s Day, Easter, Summer, Back to School, Halloween, and Christmas.
Photos from Hip2Save.com
Buy Discounted Gift Cards (and sell unwanted ones)
Go to this link Raise to earn $5 when you make a purchase within 30 days of signing up for an account (http://geta.raise.com/nnn Promo code: nnn) *
*This is an affiliated link – both of us receive $5
My saving as of 3/17/17
Go to this link Raise to earn $5 when you make a purchase within 30 days of signing up for an account (http://geta.raise.com/nnn Promo code: nnn)*
*This is an affiliated link – both of us receive $5
Ebates
▪ Quick video demo
Note: Make sure to pause an AdBlocker when using Ebates
Use Cash Back Apps for Online Shopping
▪ Use this link Ebates to receive $10 bonus if you make a purchase of $25
or more. (https://www.ebates.com/r/IVANPR3 )*
▪ Hint – you can use Ebates to shop at Raise – to maximize your savings
*This is an affiliated link – when you click on it both of us receive $10
Find Coupons in Store and Online
▪ https://www.retailmenot.com/
Apply what you have learned so far
Scavenger Hunt
▪ Imagine that you have $20 that you can donate to a local charity.
▪ Using the tips from this presentation stretch the dollars to increase your impact. As an example we will concentrate on the weekly drugstore deals.
▪ Hint: – www.hip2save.com
– http://geta.raise.com/nnn Promo code: nnn (free $5)
– https://www.ebates.com/r/IVANPR3
– http://www.cvs.com/
– https://www.coupons.com/
– www.redplum.com
– http://www.smartsource.com/
This is what I was able to do with my $20: (Week of 3/19/17-3/25/17 (retail ~ $74.25)
This is what I was able to do with my $20: (Week of 3/19/17-3/25/17
Terminology: GC – gift card, EB – extra bucks (CVS rewards that are used like cash) On the left side I show the math after the transaction snapshot.
This is what I was able to do with my $20: (Week of 3/19/17-3/25/17
1. Ebates – save 1% on purchase at raise
2. Raise – purchase cvs gift card (snapshot taken on 3/18/17)
My scenario
3. Hip2save.com – Groupon: $20 CVS eGift Card Only $10 (Select Email
Subscribers Only)
G.C= $22.32-$12= $10.32 EB – $5
GC= $10.32 EB – $3
GC= $10.32-$1.00= $9.32 EB – $4
GC= $9.32- $5.00= $4.32 EB – $8
GC= $4.32-4.32=0 Cash -$0.17 EB – $5
Summary = for $20
College students get a six-month free trial of Amazon Prime and discounts with Amazon Student.
▪ How It Works: Amazon Prime is expensive at $99 per year, but benefits like free two-day shipping and access to music, movies, TV shows, and books are worth it. College students get access to these benefits with Amazon Student, which is basically Amazon Prime for $49 a year, and it comes with a six-month free trial.
▪ Things To Remember: You need to provide a valid college email to sign up for Amazon Student, so don’t try to use a four-year-old one. You also can’t share your two-day shipping benefits with family members like you can with an Amazon Prime account, but you can cancel your trial of Amazon Student before six months is over if you don’t want to pay $49.
I use Amazon smile
▪ When I shop on amazon smile, a portion of my receipt goes to NPA .
You don’t have to buy everything new. Free / Exchange sources
1. Freecycle - https://groups.freecycle.org/Philadelphia_Center_City
2. Buy Nothing Project Mission, Rules & Guidelines – Our Buy Nothing Project Mission:
– We offer people a way to give and receive, share, lend, and express gratitude through a worldwide network of hyper-local gift economies in which the true wealth is the web of connections formed between people who are real-life neighbors.
– Rules & Guidelines: http://buynothingproject.org/the-fine-print-2/
– Mission & Principles: http://buynothingproject.org/about/mission-and-principles/
▪ Circle of Hope BabyGoods Exchange https://www.facebook.com/freeBGX/ http://www.circleofhope.net/events-for-connection/
▪ PennsyMom google group – (ask to join ) https://groups.google.com/forum/#!forum/pennsymoms
▪ Craig List https://philadelphia.craigslist.org/ ; https://southjersey.craigslist.org/
Not Ready to give up your Starbucks habit?
▪ Buy discounted gift cards
http://geta.raise.com/nnn Promo code: nnn (free $5)
▪ More tips:
http://hip2save.com/2015/09/22/10-hip-secrets-for-saving-at-starbucks /
Dunkin Donuts Fan? See those tips:
▪ http://www.moneytalksnews.com/7-ways-save-dunkin-donuts/
Would you like to brew your own “cup of Joe”?
▪ This week at Target
▪ http://hip2save.com/2017/03/19/target-select-k-cups-buy-1-get-1-50-off-both-in-store-online/
Submit Receipts for CASH BACK Programs
▪ SHOPMIUM
Ibotta (use referral code k77rq to receive $10 sign up bonus!)
Checkout 51
Submit Receipts for CASH BACK Programs- Saving Star Example Valid Through 2/18/2017
Student Discount/ Institutional / AAA
Entertainment Discounts
▪ Groupon - https://www.groupon.com/
▪ Living Social - https://www.livingsocial.com
Credit Score – Large effect on your finances
▪ Credit score - three-digit number that uses information from your credit report to assess your creditworthiness.
▪ It's an indication of how likely you are to repay debts in a timely manner
▪ Your credit score plays a pivotal role in your financial journey.
▪ As far as numbers go, it's one of the most important digits that'll ever be attached to your name.
▪ http://www.myfico.com/credit-education/calculators/loan-savings-calculator/
▪ https://www.creditkarma.com/article/quick-tips-for-your-credit-health
Habits and their effect on your pocket
▪ Cooking vs Eating out
▪ Buying coffee at wawa/starbucks/dunking donuts vs brewing your own
Enthusiastically Agree? Respectfully Disagree? We want to know!
Contact Us
▪ Natalie Chernets – [email protected]
▪ Lisa Kozlowski – [email protected]
▪ Pardeep Kumar - [email protected]
Disclaimer
▪ The purpose of the presentation is to inform you with outstanding money-saving tips and best practices that were tried by one or more of the authors.
▪ You may find affiliate links through out this presentation, as long as we believe that these links would help you save money. We might receive reward points or get paid a commission if you use the link.
▪ Whether you use the link is entirely up to you.
▪ By providing advertising and links to other sites, the authors do not guarantee, approve, or endorse the information or products available at these sites, nor does a link or advertising indicate any association with, or endorsement by, the linked site to the authors.
▪ The authors have no control over and makes no warranty or guarantee regarding the quality, usability, safety, morality or legality of any aspect of the items listed, the truth or accuracy of the listings or the ability of sellers to sell items or honor their coupon or promotion.
▪ Restrictions typically apply to coupons and promotions. You are completely responsible for learning what restrictions apply to each coupon or promotion.